Who knows much about finance and personal banking?

(PsychoChomp, Fri 25 Jan 2013, 10:58, 4 replies, latest was 12 years ago)

I haven't checked my bank account for almost three years
I can help
( Theoban What of it, Fri 25 Jan 2013, 10:58, Reply)

A bit. Wassup?

(Set your faces to Stunned Bigly, Fri 25 Jan 2013, 10:59, Reply)

Right if I get a joint bank account with my girlfriend, for bills and shit,
how do credit scores work on the overdraft? are they sort of added together or averaged or is it the lowest one?
(PsychoChomp, Fri 25 Jan 2013, 11:01, Reply)

ooh, I dunno. I've had a joint account for years
much of which it was in it's overdraft, but it was an arranged overdraft and I've never had any credit issues.

not sure if a sample of 1 is helpful here...
( Naked Ape call me Caitlyn, Fri 25 Jan 2013, 11:02, Reply)

i havent for years, but the shit storm of getting evicted is still on the file

(PsychoChomp, Fri 25 Jan 2013, 11:05, Reply)

Why did you get evicted?

(Bazongaloid, Fri 25 Jan 2013, 11:08, Reply)

landlord spent all my rent and deposit didnt pay mortgage

(PsychoChomp, Fri 25 Jan 2013, 11:11, Reply)

lol

( Naked Ape call me Caitlyn, Fri 25 Jan 2013, 11:12, Reply)

i pmsl

(PsychoChomp, Fri 25 Jan 2013, 11:14, Reply)

how would that affect your credit rating?

(Bonzodog29 is an unemployed sponge of the worst kind, Fri 25 Jan 2013, 11:16, Reply)

All the bills were in my name up until the repossetion, and I had to find a new place and pay a deposit.
And pay the old bills. Which was a cunt.
(PsychoChomp, Fri 25 Jan 2013, 11:19, Reply)

And new bills and letting fees

(PsychoChomp, Fri 25 Jan 2013, 11:21, Reply)

Did you take him to court?
Or would that have been a massive excercise in futility?
( b3th Not shit. Not mod., Fri 25 Jan 2013, 11:25, Reply)

I did, and it was.
I have a CCJ for £2.7k, he won't pay.
(PsychoChomp, Fri 25 Jan 2013, 11:28, Reply)

Can you not use that to get your credit file cleared?
Please reply to this in the next thread.
( tangledupinblue hairy badge with moving eyes, Fri 25 Jan 2013, 11:30, Reply)

At least he can still get credit cards
even with a CCJ.

Surely though, that fact alone will help your credit score?
( b3th Not shit. Not mod., Fri 25 Jan 2013, 11:30, Reply)

Many years ago I discovered that I had a terrible credit rating
All because I had never had any credit.
So I ended up paying in cash.
( tangledupinblue hairy badge with moving eyes, Fri 25 Jan 2013, 11:32, Reply)

running the premises as a business to brew beer

( Naked Ape call me Caitlyn, Fri 25 Jan 2013, 11:11, Reply)

George Osbourne LOLOLOLOLOLOLOLOLOLOL!!!!!!1111

(Bazongaloid, Fri 25 Jan 2013, 10:59, Reply)